Welcome to InspirePilots.com

Join the leading DJI Inspire community for free!

UK insurance

Discussion in 'Inspire 1 Help' started by richard.dyson1, May 24, 2015.

  1. richard.dyson1

    Joined:
    May 18, 2015
    Messages:
    55
    Likes Received:
    13
    Hi all,

    I gave an insurance question.
    I have a membership that gives me public liability insurance.

    I was wondering any insurance companies in the UK will Actually insure the equipment itself.
    Particularly when in flight. Insurance doesn't mean I would fly more crazy. But it would ease the pain if the worst should happen during a flight.

    I am aiming to get my BNUC-S very soon but at the moment this insurance would be recreational use.

    Any experience or thoughts would be great.
    Cheers
    Richard
     
  2. Photo Elevate

    Joined:
    Apr 27, 2015
    Messages:
    48
    Likes Received:
    20
    Location:
    Tiptree Essex UK

    Most UK insurance companies insist on you having CAA permission to fly before they will insure you.

    BMFA membership gives you public liability and basic insurance for £32 a year for recreational use only.

    They can also provide an additional policy to cover accidental loss, damage and theft of models, controllers, tools and other kit. Although not while in flight.

    http://bmfa.doodsonbg.com/

    Hope this helps
     
  3. Harry Nicholson

    Joined:
    Mar 12, 2015
    Messages:
    256
    Likes Received:
    44
    Location:
    UK
    I'm very interested in this after my recent incident.
     
  4. richard.dyson1

    Joined:
    May 18, 2015
    Messages:
    55
    Likes Received:
    13
    This was the conclusion I had come to.
    I was hoping there would be someone out there offering insurance with a bigger excess for those without CAA clearance.

    It makes sence I guess.
    Although 'learner' (bad voice of word) drivers can get car insurance.

    Cheers.
    Richard
     
  5. Simon Mallin

    Joined:
    May 14, 2015
    Messages:
    137
    Likes Received:
    23
    Location:
    East Sussex, UK
    Coverdrone offer insurance while in training for BNUC-s. I was quoted £583 with a £2,000 excess on my Inspire, reducing to £1,000 after becoming licensed and then £500 after a further twelve months. £2m public liability.

    https://www.coverdrone.com/cover-summary/

    Alternatively until qualified get £5m public liability (with Royal Sun Alliance) for £16 here:

    http://www.fpvuk.org/store/
     
  6. Harry Nicholson

    Joined:
    Mar 12, 2015
    Messages:
    256
    Likes Received:
    44
    Location:
    UK
    WOW 2k excess!
     
  7. richard.dyson1

    Joined:
    May 18, 2015
    Messages:
    55
    Likes Received:
    13
    Thanks Simon.

    At those numbers is hardly worth getting insurance without a licence. Interesting that it's based on a time measure of experience rather than flight hours. Although I guess other platforms don't record hours as easily as the I1.
     
  8. The Editor

    The Editor Moderator
    Staff Member

    Joined:
    Aug 7, 2013
    Messages:
    6,734
    Likes Received:
    3,891
    You are required by law to keep a logbook of all flights and maintenance and it is audited every 12 months so it is actually based on flight hours.
    Its just after 12 months they assume you will have logged sufficient hours etc.
     
  9. richard.dyson1

    Joined:
    May 18, 2015
    Messages:
    55
    Likes Received:
    13
    That only applies to those with a licence though?

    So if you are flying without you may not keep a flight log?
    Even though it is good practice to do so.
     
  10. The Editor

    The Editor Moderator
    Staff Member

    Joined:
    Aug 7, 2013
    Messages:
    6,734
    Likes Received:
    3,891
    Its not just BNUC-s (which is falling out of favour now). They will cover you for any NQE certification towards PFAW.
    However, there are obviously other alternatives out there other than John Heath who I found were not the greatest at communication!
     
  11. The Editor

    The Editor Moderator
    Staff Member

    Joined:
    Aug 7, 2013
    Messages:
    6,734
    Likes Received:
    3,891
    Correct - you won't get commercial insurance without it.

    FPV.org is your best bet for hobby flying insurance.
    It gives you £5m liability cover providing you fly within the guidelines of CAP722.
     
  12. Flashman

    Joined:
    Nov 25, 2015
    Messages:
    35
    Likes Received:
    8
    Location:
    North Wales
    Hi Simon,

    Am I correct in thinking that the BMFA/FPVUK public liability Insurance will cover me for the flight assessment with an NQE prior to the submission of my application for a PFAW to the CAA?
    I know I will require the commercial Insurance for the PFAW but with the backlog of applications at the CAA, I may lose 2 - 3 months of expensive cover whilst my application is being processed.
     
  13. Plingboot

    Joined:
    Sep 1, 2015
    Messages:
    102
    Likes Received:
    27
    Location:
    UK
    There was a company at the Drone Show, underwritten by Hiscox, which were about to launch a new product specifically for the flight test. It gave 30days (IIRC) cover at a cost of £100, with a £50 rebate once you received your PFAW and take out a full policy with them.

    Their thinking being that if you pony up for a full policy before your flight test, it could be sitting unused for a couple of months while the paper work goes through for the PFAW. So in theory you'd be saving money.

    I did like the thinking behind their main policy as it seemed to be very pilot (rather than airframe) centric with add-ons for employee liability etc and they could answer all my questions - which the Cover Drone rep couldn't - however a fully loaded policy with employee and £5m public liability looked to cost around £1100inc vat.

    I'll dig out the business card and add the info if anyone's interested.
     
  14. Simon Mallin

    Joined:
    May 14, 2015
    Messages:
    137
    Likes Received:
    23
    Location:
    East Sussex, UK
    I did my flight test with Eurousc and spoke to my assigned flight examiner beforehand who confirmed that my hobby insurance would be fine. I suggest to you speak to your NQE just to make sure.
     
    Flashman likes this.
  15. The Editor

    The Editor Moderator
    Staff Member

    Joined:
    Aug 7, 2013
    Messages:
    6,734
    Likes Received:
    3,891
    I would be more inclined to speak to your insurance carrier who will understand exactly the cover provided rather than your NQE who will not be an underwriter.
    If you have confirmation from your insurer that you are covered for flight assessment you can then argue with your NQE and point out they are wrong if they say your policy doesn't cover you for the assesement.
    If your NQE (who knows nothing about general liability cover) says its fine and you have a mishap, you will need to convince and argue with your Insurers to get indemnity if there is no coverage provided.
     
  16. IrishSights

    Joined:
    Jan 14, 2014
    Messages:
    1,958
    Likes Received:
    455
    Location:
    Bangor, Northern Ireland, UK
    I use Aaduki Mulimedia Insurance, they are new on the scene of UAV insurance but have been big in media insurance industry for some time.
     
  17. Flashman

    Joined:
    Nov 25, 2015
    Messages:
    35
    Likes Received:
    8
    Location:
    North Wales
    Thanks for your replies. I'll try Aaduki for a quotation.
     
  18. wilkia61

    Joined:
    Aug 17, 2015
    Messages:
    30
    Likes Received:
    3
    Location:
    South East Kent
    I went with Aaduki last October. Never had to claim so can't say what they are like from that perspective. I am now up for renewal.

    Has anyone re-insured for commercial flying with a PFAW? Do you get a no claims discount like a car? Who is currently the best (most cost effective) in the market at the moment?

    I filled in a www.insure4drones.co.uk online quote form and it quoted me twice what Aaduki did last year. The online quote wasn't short of usury, or is everyone crashing their drones at the moment?